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Estate Planning Solutions

By planning ahead, you can enjoy the peace of mind that comes with knowing that your estate is being preserved for your beneficiaries.


1. Creating a gifting program to reduce estate taxes

A consistent gifting program can help you control the size of your estate and reduce estate taxes at both the state and federal levels.

2. Used trusts to help manage estate planning

A trust is a legal arrangement through which property title is transferred to a trustee to manage and use for the benefit of whomever you name, typically your family. Two common types of estate planning trusts are credit trusts and revocable living trusts.

Planning Tip: 

Credit shelter trusts continue to offer the ability to shelter appreciation of the assets placed in the trust and to offer some certainty of estate tax savings amid the constantly changing tax landscape.

3. Satisfying estate taxes

The payment of estate taxes cannot always be avoided. Below are some options your executor will have for paying your estate taxes.

If properly structured, life insurance death benefits pass income-tax-free to your beneficiaries.

Reviewing your
Estate Plan >

Any time your life changes dramatically, your estate plan should be reviewed and updated appropriately. The following changes may precipitate changes to your estate plan:

  • Marital status

  • Birth of child or grandchild

  • Income or employment status

  • Relocation

  • Ownership or value of property

  • Tax laws

  • Business ownership

At a minimum, you should have your estate plan reviewed every three to five years. A good plan implemented now beats a great plan implemented someday.

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